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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $19,341 |
RBC WEALTH MANAGEMENT1 year Service code 27 · EIN 04-2654524 | Advisory (Plan) | $14,625 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $127,782 | $72,639+75.9% | $90,766+40.8% | $66,949+90.9% |
| Participation rate | 77.1% | 73.7%+3.4pp | 75.7%+1.4pp | 69.8%+7.3pp |
| Annual return | -16.74% | -12.28%-4.5pp | -12.16%-4.6pp | 1.57%-18.3pp |
| Employer contribution / active EE | $14,740 | $2,369+522.1% | $2,922+404.5% | $2,545+479.1% |
| Participant deferral / active EE | $956 | $3,979-76.0% | $4,565-79.1% | $4,239-77.4% |
| Admin fee / account holder | $375 | $708-46.9% | $8,446-95.6% | $594-36.8% |